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Side-by-side financial comparison of LAKELAND FINANCIAL CORP (LKFN) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $69.7M, roughly 1.1× LAKELAND FINANCIAL CORP). LAKELAND FINANCIAL CORP runs the higher net margin — 38.0% vs -178.3%, a 216.3% gap on every dollar of revenue. Over the past eight quarters, LAKELAND FINANCIAL CORP's revenue compounded faster (0.7% CAGR vs -1.3%).
Amscot Financial is an American financial services company headquartered in Tampa, Florida. Founded in 1989 by Ian MacKechnie, Amscot Financial provides non-bank consumer financial services through a network of retail branches located exclusively within Florida. Amscot's core services include check cashing, bill payment, prepaid access cards, payday loans, free money orders, ATMs in every branch, wire transfers, notary services, fax services, and postage. Amscot Financial operates nearly 240 ...
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
LKFN vs RPAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $69.7M | $78.6M |
| Net Profit | $26.5M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | 38.0% | -178.3% |
| Revenue YoY | — | 0.4% |
| Net Profit YoY | 31.8% | -3304.1% |
| EPS (diluted) | $1.04 | $-1.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $69.7M | — | ||
| Q4 25 | $69.8M | $78.6M | ||
| Q3 25 | $69.0M | $77.7M | ||
| Q2 25 | $66.4M | $75.6M | ||
| Q1 25 | $63.8M | $77.3M | ||
| Q4 24 | $63.6M | $78.3M | ||
| Q3 24 | $61.2M | $79.1M | ||
| Q2 24 | $68.7M | $74.9M |
| Q1 26 | $26.5M | — | ||
| Q4 25 | $29.9M | $-140.1M | ||
| Q3 25 | $26.4M | $-6.4M | ||
| Q2 25 | $27.0M | $-102.3M | ||
| Q1 25 | $20.1M | $-7.9M | ||
| Q4 24 | $24.2M | $-4.1M | ||
| Q3 24 | $23.3M | $3.2M | ||
| Q2 24 | $22.5M | $-4.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
| Q1 26 | — | — | ||
| Q4 25 | 52.1% | -182.2% | ||
| Q3 25 | 46.4% | -3.9% | ||
| Q2 25 | 49.6% | -138.7% | ||
| Q1 25 | 38.0% | -4.7% | ||
| Q4 24 | 46.0% | -1.5% | ||
| Q3 24 | 45.3% | -0.9% | ||
| Q2 24 | 39.2% | -4.6% |
| Q1 26 | 38.0% | — | ||
| Q4 25 | 42.8% | -178.3% | ||
| Q3 25 | 38.3% | -8.3% | ||
| Q2 25 | 40.6% | -135.2% | ||
| Q1 25 | 31.5% | -10.3% | ||
| Q4 24 | 38.1% | -5.3% | ||
| Q3 24 | 38.1% | 4.1% | ||
| Q2 24 | 32.8% | -5.4% |
| Q1 26 | $1.04 | — | ||
| Q4 25 | $1.16 | $-1.68 | ||
| Q3 25 | $1.03 | $-0.08 | ||
| Q2 25 | $1.04 | $-1.15 | ||
| Q1 25 | $0.78 | $-0.09 | ||
| Q4 24 | $0.94 | $-0.04 | ||
| Q3 24 | $0.91 | $0.03 | ||
| Q2 24 | $0.87 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $85.6M | $115.7M |
| Total DebtLower is stronger | $183.6M | $280.1M |
| Stockholders' EquityBook value | $749.0M | $484.4M |
| Total Assets | $7.1B | $1.2B |
| Debt / EquityLower = less leverage | 0.25× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $85.6M | — | ||
| Q4 25 | $141.3M | $115.7M | ||
| Q3 25 | $192.8M | $95.7M | ||
| Q2 25 | $310.2M | $162.6M | ||
| Q1 25 | $235.2M | $165.5M | ||
| Q4 24 | $168.2M | $189.5M | ||
| Q3 24 | $160.2M | $168.7M | ||
| Q2 24 | $121.2M | $147.1M |
| Q1 26 | $183.6M | — | ||
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | $30.0M | $496.2M | ||
| Q2 24 | $55.0M | $435.6M |
| Q1 26 | $749.0M | — | ||
| Q4 25 | $762.4M | $484.4M | ||
| Q3 25 | $747.4M | $616.9M | ||
| Q2 25 | $709.9M | $633.7M | ||
| Q1 25 | $694.4M | $755.7M | ||
| Q4 24 | $683.8M | $761.3M | ||
| Q3 24 | $699.1M | $754.7M | ||
| Q2 24 | $654.5M | $815.4M |
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.0B | $1.2B | ||
| Q3 25 | $6.9B | $1.3B | ||
| Q2 25 | $7.0B | $1.4B | ||
| Q1 25 | $6.9B | $1.5B | ||
| Q4 24 | $6.7B | $1.6B | ||
| Q3 24 | $6.6B | $1.6B | ||
| Q2 24 | $6.6B | $1.5B |
| Q1 26 | 0.25× | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | 0.04× | 0.66× | ||
| Q2 24 | 0.08× | 0.53× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $114.9M | $23.3M | ||
| Q3 25 | $36.1M | $32.2M | ||
| Q2 25 | $16.2M | $33.1M | ||
| Q1 25 | $28.9M | $2.5M | ||
| Q4 24 | $102.5M | $34.3M | ||
| Q3 24 | $18.0M | $60.1M | ||
| Q2 24 | $21.0M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $103.8M | $23.2M | ||
| Q3 25 | $31.1M | $32.1M | ||
| Q2 25 | $14.1M | $33.0M | ||
| Q1 25 | $27.1M | $2.4M | ||
| Q4 24 | $93.9M | $34.0M | ||
| Q3 24 | $15.3M | $59.8M | ||
| Q2 24 | $18.6M | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | 148.7% | 29.6% | ||
| Q3 25 | 45.0% | 41.3% | ||
| Q2 25 | 21.2% | 43.6% | ||
| Q1 25 | 42.5% | 3.0% | ||
| Q4 24 | 147.6% | 43.5% | ||
| Q3 24 | 25.0% | 75.6% | ||
| Q2 24 | 27.0% | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 15.9% | 0.1% | ||
| Q3 25 | 7.3% | 0.2% | ||
| Q2 25 | 3.2% | 0.1% | ||
| Q1 25 | 2.8% | 0.2% | ||
| Q4 24 | 13.6% | 0.3% | ||
| Q3 24 | 4.4% | 0.3% | ||
| Q2 24 | 3.5% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 3.84× | — | ||
| Q3 25 | 1.37× | — | ||
| Q2 25 | 0.60× | — | ||
| Q1 25 | 1.44× | — | ||
| Q4 24 | 4.24× | — | ||
| Q3 24 | 0.77× | 18.52× | ||
| Q2 24 | 0.93× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LKFN
| Net Interest Income | $56.8M | 81% |
| Noninterest Income | $12.9M | 19% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
